Dedicated mortgage advisor with 20+ years experience, including service in the U.S. Army. I guide clients through seamless home purchase and refinance experiences. Known for accessibility and reliability, I offer personalized loan solutions from application to closing and beyond. Specializing in VA, FHA, Conventional, Jumbo, Renovation, and First-Time Buyer programs, including Down Payment Assistance (RI Housing, MA Housing) and in-house bond options. Upfront underwriting and efficient processes ensure a quicker path to your dream home. Contact me at 401-578-0356 or keith.calabro@nationslending.com.